The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$11,842
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,211
−HK$374/mo
Today · 4.125%
HK$12,585
baseline
▲ 0.50% · 4.625%
HK$13,351
+HK$766/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,170/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,174
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,528
−HK$358/mo
Today · 4.125%
HK$13,886
baseline
▲ 0.50% · 4.625%
HK$14,618
+HK$732/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,772/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,211
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,653
−HK$449/mo
Today · 4.125%
HK$15,102
baseline
▲ 0.50% · 4.625%
HK$16,021
+HK$919/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,204/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,809
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,233
−HK$430/mo
Today · 4.125%
HK$16,663
baseline
▲ 0.50% · 4.625%
HK$17,542
+HK$879/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,326/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,579
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,095
−HK$524/mo
Today · 4.125%
HK$17,619
baseline
▲ 0.50% · 4.625%
HK$18,691
+HK$1,072/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,238/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,444
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,939
−HK$502/mo
Today · 4.125%
HK$19,441
baseline
▲ 0.50% · 4.625%
HK$20,465
+HK$1,024/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,882/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,316
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,979
−HK$674/mo
Today · 4.125%
HK$22,653
baseline
▲ 0.50% · 4.625%
HK$24,031
+HK$1,378/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,306/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,714
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,350
−HK$645/mo
Today · 4.125%
HK$24,995
baseline
▲ 0.50% · 4.625%
HK$26,313
+HK$1,318/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,990/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,852 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).